RightCapital vs Xplan

RightCapital9.4Visit Xplan9.1Visit

Higher score RightCapital #1 in Financial Planning Software 9.4/10 14-day trial Free trial✓ 7 of 7 features Visit RightCapital

vs

Xplan #4 in Financial Planning Software 9.1/10 Pricing on request ✓ 7 of 7 features Visit Iress

• RightCapital fits best

  Advisors wanting comprehensive modern planning

• Xplan fits best

  End-to-end advice and practice management

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature	RightCapital 9.4/10 Visit ↗	Xplan 9.1/10 Visit ↗
At a glance
Editor score	9.4	9.1
Ranking	#1 in Financial Planning Software	#4 in Financial Planning Software
Best for	Advisors wanting comprehensive modern planning	End-to-end advice and practice management
Pricing model	Paid	Paid
Starting price	$149.95/mo	Pricing on request
Free plan	—	Not checked yet
Free trial	14 days	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, iOS, Android	Web, iOS, Android
Features RightCapital 7/7 · Xplan 7/7
Cash-flow modeling	✓	✓
Goal planning	✓	✓
Tax planning	✓	✓
Scenario analysis	✓	✓
Insurance planning	✓	✓
Investment planning	✓	✓
Client portal	✓	✓
Our review
Pros	Covers retirement, tax, investment, insurance, estate, and college planning Adds cash-flow projections, scenarios, aggregation, budgeting, and risk assessment Client portal, document vault, and iOS and Android apps support collaboration	Covers cash flow, goals, tax, insurance, investments, and scenario analysis Connects advice workflows with compliance, audit trails, and reporting Offers web, mobile, API, client portal, and third-party application support
Cons	No free plan; paid plans require an annual first-year commitment Starting price is $149.95 per advisor per month Enterprise pricing requires contacting sales	Pricing requires direct contact with sales Capabilities and integrations vary by country, module, and deployment Its broad scope may exceed the needs of narrowly focused planning teams
Our verdict	RightCapital is financial planning software for financial advisors and their clients. It brings retirement, cash-flow, tax, investment, insurance, estate, education, debt, student-loan, business, and budgeting workflows into one product.… Read the review →	Xplan is financial planning and wealth management software from Iress for financial advice practices, ranging from small independent firms to large networks. It supports the advice lifecycle from client discovery and current-position… Read the review →

Strengths and trade-offs

• RightCapital — where it wins

  • Covers retirement, tax, investment, insurance, estate, and college planning
  • Adds cash-flow projections, scenarios, aggregation, budgeting, and risk assessment
  • Client portal, document vault, and iOS and Android apps support collaboration

  Where it doesn't

  • No free plan; paid plans require an annual first-year commitment
  • Starting price is $149.95 per advisor per month
  • Enterprise pricing requires contacting sales

• Xplan — where it wins

  • Covers cash flow, goals, tax, insurance, investments, and scenario analysis
  • Connects advice workflows with compliance, audit trails, and reporting
  • Offers web, mobile, API, client portal, and third-party application support

  Where it doesn't

  • Pricing requires direct contact with sales
  • Capabilities and integrations vary by country, module, and deployment
  • Its broad scope may exceed the needs of narrowly focused planning teams

• RightCapital9.4/10 · 14-day trial

  A broad advisor platform spanning planning, analysis, collaboration, and client access.

  Visit RightCapitalFull verdict →
• Xplan9.1/10 · Pricing on request

  A broad advice-practice platform spanning planning, workflows, investments, compliance, and client engagement.

  Visit IressFull verdict →